Individual Health Insurance
The Burnham System
HS 313
PDF & MP3
Basic Study Material

The Burnham System is written and promptly revised by

Ray Burnham, CPCU, CLU, ARM, AIC, AINS, AIS, API, SPPA, AIM, AIC-M, ARM-E, AU, AU-M, ALCM, AAI, AAI-M, APA, ARP, AIAF, AMIM, AAM, AIT, ARe, AFSB, ASLI, AIDA, ARC, ARM-P, PRC, REBC, RHU, ASF, LIA, CASL, ChFC, and PRC;

Jean O’Reilly, PhD, CPCU, ARM, AINS, AIS, API, AIC, SPPA, AIM, AIC-M. ARM-E, AU, AU-M, AAI, AAI-M, APA, AMIM, AIT, ARe, AFSB, ASLI, AIDA, ARC, ARM-P, AIAF, and PRC; and

Lisa Tobey, JD, CPCU, CLU, ARM, AINS, AIS, API, SPPA, AIM, AIC-M, ARM-E, AU, AU-M, AAI, AAI-M, APA, AIAF, AMIM, AIT, ARe, AFSB, ASLI, AIDA, ARC, ARM-P, ACS, PRC, RWCS, RHU, REBC, CASL, AIC, EA, ChFC, and PRC.

Copyright © 2024 The Burnham System

HS 313
Digital & Audio Book

Individual Health Insurance Study Guide

HS 313 is no longer offered by The American College, but since you might find its content of value, it is available in PDF and MP3 formats at half-price.


Included for FREE with your purchase of this Digital Study Guide:

  • HS 313 Audio Study Guide Narrations, in MP3 file format, expertly narrated by Lisa Tobey
  • Our definitions of each assignment's key words and other new terms
  • A sample diagnostic exam with answers and answer explanations


Study guide last updated: June 30, 2021


Current Text Edition: 3rd--Final


Ray's estimate of course difficulty (1, easiest and 10, hardest): 7


Number of study guide pages: 83


Covered within this study guide:

  • Introduction to and Buying of and Underwriting Individual Health Insurance
  • Insurance Contracts
  • Claims Payment
  • Regulation and Tax Treatment of Medical Expense Insurance
  • Introduction to Medical Expense Insurance
  • Health Savings Accounts
  • Medicare Supplement Policies
  • Interim, Ancillary, and Supplemental Medical Expense Policies
  • Disability Income Insurance, including its Sources, Provisions, and Business Uses
  • Introduction to, Financing of, Development of, Characteristics of, and Consumer Attitudes toward Long-Term Care Insurance

As a good study guideline, figure anything in those 83 pages might be on your exam and that there will be nothing on your exam that is not covered in those 83 pages.


The Burnham System is written and promptly revised by

Ray Burnham, CPCU, CLU, ARM, AIC, AINS, AIS, API, SPPA, AIM, AIC-M, ARM-E, AU, AU-M, ALCM, AAI, AAI-M, APA, ARP, AIAF, AMIM, AAM, AIT, ARe, AFSB, ASLI, AIDA, ARC, ARM-P, PRC, REBC, RHU, ASF, LIA, CASL, ChFC, and PRC;

Jean O’Reilly, PhD, CPCU, ARM, AINS, AIS, API, AIC, SPPA, AIM, AIC-M. ARM-E, AU, AU-M, AAI, AAI-M, APA, AMIM, AIT, ARe, AFSB, ASLI, AIDA, ARC, ARM-P, AIAF, and PRC; and

Lisa Tobey, JD, CPCU, CLU, ARM, AINS, AIS, API, SPPA, AIM, AIC-M, ARM-E, AU, AU-M, AAI, AAI-M, APA, AIAF, AMIM, AIT, ARe, AFSB, ASLI, AIDA, ARC, ARM-P, ACS, PRC, RWCS, RHU, REBC, CASL, AIC, EA, ChFC, and PRC.

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